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WILMINGTON, Del. (AP) — President-elect Joe Biden will have an all-female communications team at his White House, led by campaign communications director Kate Bedingfield. President-elect Biden and Vice President-elect Harris today announced new members of the White House staff who will serve in senior communications roles.For the first time in history, these communications roles will be filled entirely by women.https://t.co/SjWAWJg941— Biden-Harris Presidential Transition (@Transition46) November 29, 2020 Bedingfield will serve as Biden’s White House communications director, and Jen Psaki, a longtime Democratic spokeswoman, will be his press secretary.Bedingfield served as Deputy Campaign Manager and Communications Director for the Biden-Harris Campaign. She also served as Communications Director for Vice President Biden and as Associate Communications Director, Deputy Director of Media Affairs, and the Director of Response in the Obama-Biden White House.Psaki currently oversees the confirmations team for the Biden-Harris Transition. During the Obama-Biden administration, Psaki held several senior roles, including White House Communications Director, State Department Spokesperson under then-Secretary of State John Kerry, Deputy White House Communications Director and Deputy White House Press Secretary during the financial crisis.Two other women, Karine Jean-Pierre and Pili Tobar, will also be part of the communications team.Jean-Pierre was Senior Advisor to President-Elect Joe Biden and Chief of Staff to Vice President-Elect Kamala Harris on the Biden-Harris Campaign. As for Tobar, she served as the Communications Director for Coalitions on the Biden-Harris Campaign.“Communicating directly and truthfully to the American people is one of the most important duties of a President, and this team will be entrusted with the tremendous responsibility of connecting the American people to the White House. I am proud to announce today the first senior White House communications team comprised entirely of women. These qualified, experienced communicators bring diverse perspectives to their work and a shared commitment to building this country back better,” said President-elect Joe Biden in a press release.“Our country is facing unprecedented challenges–from the coronavirus pandemic to the economic crisis, to the climate crisis, and a long-overdue reckoning over racial injustice," added Vice President-elect Kamala Harris. "To overcome these challenges, we need to communicate clearly, honestly, and transparently with the American people, and this experienced, talented, and barrier-shattering team will help us do that. These communications professionals express our commitment to building a White House that reflects the very best of our nation.”Meanwhile, The Associated Press has learned that Biden also plans to name the president and CEO of the Center for American Progress, Neera Tanden, as director of the Office of Management and Budget. 2987

When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886

With Congress unable to agree on another stimulus package, the CARES Act may have been the only chance for many to get an economic impact payment or stimulus check. However, millions of people still haven’t received that check.The Internal Revenue Service (IRS) estimates roughly 9 million people are still owed at least ,200. The Center for Taxpayer Rights estimates another 2 to 3 million people are entitled to and have been fighting to get the 0 for each of their eligible dependents.“There is a whole combination of factors for why people have not received their checks,” said Nina Olsen, the Executive Director for The Center of Taxpayer Rights.One reason some have not gotten their checks is because they did not file a 2018 or 2019 tax return, and they have not gone to the IRS’s “Non-Filer Portal,” which is located on the home page of the IRS’s website.So now, after 5 months, the IRS is sending letters to 9 million people in that category. The IRS has been able to identify who still qualifies for a check, but hasn’t received it, by sorting through its records and checking W-2 forms and 1099s.Those forms also have the non-filer’s address information, and that is the address the IRS is using for the new letters. The letters will inform these non-filers they are still eligible to get a stimulus check under the CARES Act and the steps they need to take to get that money. The steps are simple, either go to the IRS’s website and fill out the non-filer form or file a tax return.“It is also really important that people realize that if they use the non-filer portal they won’t be able to claim the earned income credit and many of these people may be eligible for the earned income credit,” said Olsen. “Those people need to file a regular return rather than use the non-filer portal and I don’t think the IRS has done a really good job of telling people that.”The earned income tax credit (EITC), typically earned by those who have dependent children, can be worth up to ,000. If you fill out the non-filer form in the IRS’s portal but later learn you qualified for additional money from the EITC, you could potentially lose the money from EITC.Outside of the 9 million non-filers getting a letter from the IRS, the 2 to 3 million people still eligible for 0 per dependent are getting a second chance at more CARES Act stimulus money.“Social Security Retirees and disabled people, it gave them less than 48 hours to go online if they had children. That meant they could get an additional 0 and enter that on the non-filer portal. Well a lot of these folks don’t have online access,” said Olsen. "It actually took a lawsuit that is still in the process of being settled for the IRS to reopen the portal.”Those still eligible to claim dependents have until the end of September to claim them through the IRS’s non-filer portal. The 9 million non-filers have until October 15 to take their necessary action. 2941

Who gets to be first in line for a COVID-19 vaccine? U.S. health authorities hope by late next month to have some draft guidance on how to ration initial doses, but it’s a vexing decision.“Not everybody’s going to like the answer,” Dr. Francis Collins, director of the National Institutes of Health, recently told one of the advisory groups the government asked to help decide. “There will be many people who feel that they should have been at the top of the list.”Traditionally, first in line for a scarce vaccine are health workers and the people most vulnerable to the targeted infection.But Collins tossed new ideas into the mix: Consider geography and give priority to people where an outbreak is hitting hardest.And don’t forget volunteers in the final stage of vaccine testing who get dummy shots, the comparison group needed to tell if the real shots truly work.“We owe them ... some special priority,” Collins said.Huge studies this summer aim to prove which of several experimental COVID-19 vaccines are safe and effective. Moderna Inc. and Pfizer Inc. began tests last week that eventually will include 30,000 volunteers each; in the next few months, equally large calls for volunteers will go out to test shots made by AstraZeneca, Johnson & Johnson and Novavax. And some vaccines made in China are in smaller late-stage studies in other countries.For all the promises of the U.S. stockpiling millions of doses, the hard truth: Even if a vaccine is declared safe and effective by year’s end, there won’t be enough for everyone who wants it right away -- especially as most potential vaccines require two doses.It’s a global dilemma. The World Health Organization is grappling with the same who-goes-first question as it tries to ensure vaccines are fairly distributed to poor countries -- decisions made even harder as wealthy nations corner the market for the first doses.In the U.S., the Advisory Committee on Immunization Practices, a group established by the Centers for Disease Control and Prevention, is supposed to recommend who to vaccinate and when -- advice that the government almost always follows.But a COVID-19 vaccine decision is so tricky that this time around, ethicists and vaccine experts from the National Academy of Medicine, chartered by Congress to advise the government, are being asked to weigh in, too.Setting priorities will require “creative, moral common sense,” said Bill Foege, who devised the vaccination strategy that led to global eradication of smallpox. Foege is co-leading the academy’s deliberations, calling it “both this opportunity and this burden.”With vaccine misinformation abounding and fears that politics might intrude, CDC Director Robert Redfield said the public must see vaccine allocation as “equitable, fair and transparent.”How to decide? The CDC’s opening suggestion: First vaccinate 12 million of the most critical health, national security and other essential workers. Next would be 110 million people at high risk from the coronavirus -- those over 65 who live in long-term care facilities, or those of any age who are in poor health -- or who also are deemed essential workers. The general population would come later.CDC’s vaccine advisers wanted to know who’s really essential. “I wouldn’t consider myself a critical health care worker,” admitted Dr. Peter Szilagyi, a pediatrician at the University of California, Los Angeles.Indeed, the risks for health workers today are far different than in the pandemic’s early days. Now, health workers in COVID-19 treatment units often are the best protected; others may be more at risk, committee members noted.Beyond the health and security fields, does “essential” mean poultry plant workers or schoolteachers? And what if the vaccine doesn’t work as well among vulnerable populations as among younger, healthier people? It’s a real worry, given that older people’s immune systems don’t rev up as well to flu vaccine.With Black, Latino and Native American populations disproportionately hit by the coronavirus, failing to address that diversity means “whatever comes out of our group will be looked at very suspiciously,” said ACIP chairman Dr. Jose Romero, Arkansas’ interim health secretary.Consider the urban poor who live in crowded conditions, have less access to health care and can’t work from home like more privileged Americans, added Dr. Sharon Frey of St. Louis University.And it may be worth vaccinating entire families rather than trying to single out just one high-risk person in a household, said Dr. Henry Bernstein of Northwell Health.Whoever gets to go first, a mass vaccination campaign while people are supposed to be keeping their distance is a tall order. During the 2009 swine flu pandemic, families waited in long lines in parking lots and at health departments when their turn came up, crowding that authorities know they must avoid this time around.Operation Warp Speed, the Trump administration’s effort to speed vaccine manufacturing and distribution, is working out how to rapidly transport the right number of doses to wherever vaccinations are set to occur.Drive-through vaccinations, pop-up clinics and other innovative ideas are all on the table, said CDC’s Dr. Nancy Messonnier.As soon as a vaccine is declared effective, “we want to be able the next day, frankly, to start these programs,” Messonnier said. “It’s a long road.”___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 5581

With many teachers opting out of returning to the classroom because of the coronavirus, schools around the U.S. are scrambling to find replacements and in some places lowering certification requirements to help get substitutes in the door.Several states have seen surges in educators filing for retirement or taking leaves of absence. The departures are straining staff in places that were dealing with shortages of teachers and substitutes even before the pandemic created an education crisis.Among those leaving is Kay Orzechowicz, an English teacher at northwest Indiana’s Griffith High School, who at 57 had hoped to teach for a few more years. But she felt her school’s leadership was not fully committed to ensuring proper social distancing and worried that not enough safety equipment would be provided for students and teachers.Add the technology requirements and the pressure to record classes on video, and Orzechowicz said it “just wasn’t what I signed up for when I became a teacher.”“Overall, there was just this utter disrespect for teachers and their lives,” she said. “We’re expected to be going back with so little.” When school leaders said teachers would be “going back in-person, full throttle, that’s when I said, ‘I’m not doing it. No.’”Teachers in at least three states have died after bouts with the coronavirus since the start of the new school year. It’s unclear how many teachers in the U.S. have become ill with COVID-19, but Mississippi alone reported 604 cases among teachers and staff.In cases where teachers are exposed to the virus, they could face pressure to return to the classroom. The Trump administration has declared teachers to be “critical infrastructure workers” in guidance that could give the green light to exempting them from quarantine requirements.Throughout Indiana, more than 600 teacher retirements have been submitted since July, according to state data. Although the state gets most of its teacher retirements during the summer, surveys suggest more retirements than usual could happen as the calendar year progresses, said Trish Whitcomb, executive director of the Indiana Retired Teachers Association.“I’ve gotten more (teachers) calling me back saying, ‘Well, I’m going to go ahead and retire,’” Whitcomb said. “Some still wanted to go back in the classroom, but they didn’t think the risk was worth it. They looked at their grandkids and the life they have, and I think they’re saying, ‘I’m just not going to do it.’”In Salt Lake County, Utah, the state’s most populated metropolitan area, more than 80 teachers have either resigned or retired early because of concerns about COVID-19 in schools. More than half of those happened in one of the county’s five school districts, Granite School District. All of the district’s teachers who left were fined ,000 for failing to give 30 days’ notice.Mike McDonough, president of the Granite Education Association teachers union, said the departures stem from frustration over how the schools have reopened. In Granite, most students will return to in-person instruction for four days a week, and there are few opportunities for teachers to instruct solely online.Some teachers waited until the last minute, hoping that the district would change its reopening plan. But checking out of the classroom was “the only way to keep themselves safe,” he said.“Teachers are still scared and overwhelmed,” McDonough said. “I have heard from teachers that are just heartbroken to leave the classroom, but they didn’t feel safe going back. They don’t want that level of risk, and they have no other choice but to get out.”Education leaders in states including Arizona, Kansas, New Hampshire, Pennsylvania and Texas have said they are bracing for worsening teacher shortages as the pandemic drives away some educators.To try to maintain staffing levels in classrooms, the Missouri Board of Education made it easier to become a substitute teacher under an emergency rule. Instead of the previous requirement — 60 hours of college credit — eligible substitutes now only need to obtain a high school diploma, complete a 20-hour online training course and pass a background check.Iowa responded similarly, relaxing coursework requirements and the minimum working age for newly hired substitutes.In Connecticut, college students have been asked to step in as substitutes. Michele Femc-Bagwell, director of the teacher education program at the University of Connecticut, said the school has been getting requests to use fifth-year graduate students as substitute teachers. Heavy class loads and internship responsibilities, though, limit their availability to one day a week.Many who work as substitutes are retired teachers such as 67-year-old Margaret Henderson, of Phoenix, who said she will not return as she had planned.“I don’t want to get called into a classroom where a teacher has called out because of the virus or to quarantine. ... And we know that’s going to happen more and more,” Henderson said. “There are still uncertainties about the safety of reopening the school buildings. Can you blame (substitutes) for not wanting to go in?”In rural Iowa’s Hinton Community Schools, Hinton High School Principal Phil Goetstouwers said the school is already down to a third of the substitute teachers it had last year. More than half of those are also willing to sub in other districts, he said, making it even more troublesome when teachers are absent.Allen Little, who retired as a math teacher in Sioux City, Iowa, this past spring, said the “complexities” of teaching during the pandemic made him decide to retire three years earlier than he had planned. Although he anticipated returning to work as a part-time substitute this fall, fears about the virus are holding him back. He encouraged his son, who is studying to be a social studies teacher and who considered getting experience as a substitute, to weigh the risks carefully.“We’re thinking about students, our schools, our community with every decision we make,” Little said. “But we also have to think about ourselves and our families. What’s best for us, maybe more and more of us ... is not being inside the classrooms right now.”___Associated Press Writer Pat Eaton-Robb contributed to this report from Hartford, Connecticut.___Casey Smith is a corps member for the Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues. 6529

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